With the economy how it is, it can be a bit overwhelming on your wallet to buy everything that you need or want.  Buy now, pay later programs exist to enable you to get the things you want without having to spend all of your hard earned cash right away.  These programs come in all shapes and sizes which include credit cards and other monthly payment plans.  As a responsible consumer, you can use these monthly payment plans to stretch your money further as well as take advantage of specials that businesses use so that you will finance through them.

Almost every major retailer on the internet have some sort of buy now, pay later plan.  The same goes for most major local retailers.  Companies like to use these plans because they encourage people to buy from them and they often use special deals like 0% interest for X number of years, instant savings on your purchase, or special member’s only rewards.  Smart shoppers often take advantage of these deals.

Bill Me Later

If you’re buying online, the Bill Me Later program can be a lifesaver.  Bill Me Later is one of the most popular buy now, pay later programs that you can choose.  It’s safe, secure, and very convenient to use.  With over 1000 online stores utilizing Bill Me Later, odds are you already shop online with a company that partnered with them.  Check out the Bill Me Later website to see if your favorite site to shop with is on the list.

Bill Me Later is very simple to use.  It’s concept is very easy understand, basically, instead of having to pay for a purchase right now with an online check or credit card, you’re able to have Bill Me Later send you an invoice to pay later.  All that is involved is you fill out an easy credit application that acts much like a credit card.  You can either choose to pay off your purchases with monthly payments (small and very affordable), or choose to pay off your purchases completely later to avoid interest or finance charges.

Once you’re signed up and approved, you’re ready to start shopping.  As mentioned before, just about every major retailer allows you to use Bill Me Later as a form of payment.  Simply find what you want to buy and go for it.  A great thing to note with Bill Me Later is many companies have great specials for people who use them.  For example, if you shop on Walmart.com, you can get 90 days of no payments if you use Bill Me Later on purchases above $250 (6 months of no payments for orders above $750).  Overstock.com also has 90 days of no payments except on minimum purchases of $150 or more.

PayPal Buyer Credit

If you’re like many who like to shop on eBay, a great choice for a buy now, pay later program is the PayPal Buyer Credit program.  Just like Bill Me Later, this PayPal program is an alternative to having to pay with a credit card or checking account.  Plus, you can use the PayPal Buyer Credit anywhere that supports PayPal as a form of payment (if you’re one who doesn’t like to shop on eBay).

To get set up with this buy now, pay later program, you need to have a PayPal member.  Signing up is easy, just simply go to PayPal.com and fill out the sign-up forms.  Once signed up, you can apply for PayPal Buyer Credit here.  Once approved, the credit will link with your account and enable to you to use it for pay for purchases compatible with PayPal.

With both PayPal Buyer Credit and Bill Me Later programs, it’s easy to find and get signed up for a buy now, pay later program.  With these easy to use programs, you’ll be able to handle this holiday season and its many expenses with ease.  So what are you waiting for?  Get started today!

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